University Medical Center

Jackson, MS · Charter 63682

Q4 1995

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1995, the quarter ended December 31, 1995, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Jackson, MS · Charter 63682

Q4 1995

$16.7MAssets

$11.9MLoans

$14.9MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.40%

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	YoY Δ	Trend
Earnings
Return on Assets	3.57%	3.47%	4.13%	4.40%	n/a
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.71%	0.68%	0.34%	0.34%	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.56%	0.85%	0.89%	0.95%	n/a
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	61.24%	66.47%	74.18%	80.00%	n/a
Liquid Assets / Assets	24.04%	21.00%	13.53%	16.22%	n/a